Residential Mortgages


If your customer is planning to purchase or remortgage, is self-employed, a first time buyer, or looking to purchase a new build property our residential mortgage range could be right up their street. Even if they have a less than perfect credit profile we are here to help.

Making it easier

Click here to view our Residential Mortgage submission guide. This document has been designed to help provide a smooth application process for you and your customer.

Range highlights

  • 5 year fixed rate products help customer affordability by not applying a stress rate
  • Up to 85% LTV
  • Maximum term of 35 years
  • Debt Management Plans accepted as an ongoing commitment on selected products
  • Plus we have a great range of new build products

Who is this range for?

  • Customers looking for an alternative to high street lenders
  • Those with a less than perfect credit history
  • Remortgage customers
  • Customers buying New Build properties
  • First time buyers with no product restrictions
  • Self-employed with only 1 year's tax calculation and HMRC Tax Year Overview or accounts

Key criteria

Click here to view the residential mortgages criteria guide.

Packager Panel

Let our Packager Panel do the work for you.

You can submit a residential or buy to let mortgage to us direct or alternatively you can introduce a case to one of our packagers.

Contact one of our packagers direct today.

Bank of England Base Rate (BBR) Trackers and the Reversion Rate

BBR Trackers and reversion rates are variable rates that are linked to the Bank of England base rate. For new applications, any change to BBR will apply on our systems and documentation the next day. For existing accounts, any change to BBR will apply on the day of the change.

All of our BBR tracker products have a floor. This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00% plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

Residential Mortgages

Contact us

Document downloads

Residential Mortgage service update

Buy to Let Mortgage service update (including Portfolio and Limited Company)

New Build Residential service update

All applications

1excludes the day of upload/receipt

Download our Residential or Buy to Let Mortgages submission guides to help provide a smooth application process for you and your customer.

For intermediary use only
BBR 0.75%